Do what I did: Look for a reputable coin dealer in your area and sit down to have a talk with them. I’m going to go back to the guy I spoke with this week, and bring my husband along.
I sought mine online, and you can read reviews if they have a good reputation. You can always call ahead, too.
Be prepared to pay a premium over the spot price. For silver, it is about $10 + per coin last time I looked. Not sure what it is for gold.